B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:DTD2 - DE0001262152 - Common Stock
2.22 EUR
+0.08 (+3.74%)
Taking everything into account, DTD2 scores 5 out of 10 in our fundamental rating. DTD2 was compared to 116 industry peers in the Software industry. While DTD2 has a great profitability rating, there are some minor concerns on its financial health. DTD2 is valued quite cheap, while showing a decent growth score. This is a good combination! These ratings could make DTD2 a good candidate for value investing.
1. Profitability
1.1 Basic Checks
DTD2 had positive earnings in the past year.
DTD2 had a positive operating cash flow in the past year.
DTD2 had positive earnings in each of the past 5 years.
DTD2 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 5.33%, DTD2 is in line with its industry, outperforming 56.90% of the companies in the same industry.
DTD2 has a Return On Equity (9.20%) which is comparable to the rest of the industry.
DTD2 has a better Return On Invested Capital (7.21%) than 61.21% of its industry peers.
DTD2 had an Average Return On Invested Capital over the past 3 years of 5.01%. This is significantly below the industry average of 13.28%.
The last Return On Invested Capital (7.21%) for DTD2 is above the 3 year average (5.01%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.33% | ||
| ROE | 9.2% | ||
| ROIC | 7.21% |
ROA(3y)3.93%
ROA(5y)2.52%
ROE(3y)7.06%
ROE(5y)4.57%
ROIC(3y)5.01%
ROIC(5y)3.49%
1.3 Margins
DTD2 has a Profit Margin of 11.52%. This is comparable to the rest of the industry: DTD2 outperforms 57.76% of its industry peers.
DTD2's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 14.92%, DTD2 is doing good in the industry, outperforming 65.52% of the companies in the same industry.
In the last couple of years the Operating Margin of DTD2 has grown nicely.
DTD2 has a Gross Margin of 94.19%. This is amongst the best in the industry. DTD2 outperforms 93.97% of its industry peers.
In the last couple of years the Gross Margin of DTD2 has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.92% | ||
| PM (TTM) | 11.52% | ||
| GM | 94.19% |
OM growth 3Y59.43%
OM growth 5YN/A
PM growth 3Y330.52%
PM growth 5YN/A
GM growth 3Y0.99%
GM growth 5Y0.09%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so DTD2 is destroying value.
Compared to 1 year ago, DTD2 has about the same amount of shares outstanding.
DTD2 has about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for DTD2 has been reduced compared to a year ago.
2.2 Solvency
DTD2 has an Altman-Z score of 1.93. This is not the best score and indicates that DTD2 is in the grey zone with still only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 1.93, DTD2 is doing worse than 61.21% of the companies in the same industry.
DTD2 has a debt to FCF ratio of 1.57. This is a very positive value and a sign of high solvency as it would only need 1.57 years to pay back of all of its debts.
DTD2 has a Debt to FCF ratio of 1.57. This is in the better half of the industry: DTD2 outperforms 68.97% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that DTD2 is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.26, DTD2 perfoms like the industry average, outperforming 54.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.57 | ||
| Altman-Z | 1.93 |
ROIC/WACC0.94
WACC7.65%
2.3 Liquidity
A Current Ratio of 1.07 indicates that DTD2 should not have too much problems paying its short term obligations.
With a Current ratio value of 1.07, DTD2 is not doing good in the industry: 66.38% of the companies in the same industry are doing better.
A Quick Ratio of 1.07 indicates that DTD2 should not have too much problems paying its short term obligations.
DTD2 has a Quick ratio of 1.07. This is in the lower half of the industry: DTD2 underperforms 63.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.07 | ||
| Quick Ratio | 1.07 |
3. Growth
3.1 Past
DTD2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.40%, which is quite good.
Measured over the past years, DTD2 shows a very strong growth in Earnings Per Share. The EPS has been growing by 347.95% on average per year.
The Revenue has decreased by -0.92% in the past year.
Measured over the past years, DTD2 shows a small growth in Revenue. The Revenue has been growing by 5.04% on average per year.
EPS 1Y (TTM)17.4%
EPS 3Y347.95%
EPS 5YN/A
EPS Q2Q%-28.27%
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y4.36%
Revenue growth 5Y5.04%
Sales Q2Q%-4.39%
3.2 Future
The Earnings Per Share is expected to grow by 6.97% on average over the next years.
The Revenue is expected to grow by 3.68% on average over the next years.
EPS Next Y-13.04%
EPS Next 2Y4.26%
EPS Next 3Y5.72%
EPS Next 5Y6.97%
Revenue Next Year3.17%
Revenue Next 2Y3.51%
Revenue Next 3Y3.8%
Revenue Next 5Y3.68%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.65, the valuation of DTD2 can be described as reasonable.
91.38% of the companies in the same industry are more expensive than DTD2, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.37, DTD2 is valued rather cheaply.
The Price/Forward Earnings ratio is 10.88, which indicates a very decent valuation of DTD2.
90.52% of the companies in the same industry are more expensive than DTD2, based on the Price/Forward Earnings ratio.
DTD2 is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.20, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.65 | ||
| Fwd PE | 10.88 |
4.2 Price Multiples
94.83% of the companies in the same industry are more expensive than DTD2, based on the Enterprise Value to EBITDA ratio.
97.41% of the companies in the same industry are more expensive than DTD2, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.28 | ||
| EV/EBITDA | 5.08 |
4.3 Compensation for Growth
The decent profitability rating of DTD2 may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y4.26%
EPS Next 3Y5.72%
5. Dividend
5.1 Amount
DTD2 does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:DTD2 (12/3/2025, 7:00:00 PM)
2.22
+0.08 (+3.74%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners11.11%
Inst Owner ChangeN/A
Ins Owners56.39%
Ins Owner ChangeN/A
Market Cap13.79M
Revenue(TTM)12.60M
Net Income(TTM)1.45M
Analysts82.86
Price Target5 (125.23%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)8.89%
PT rev (3m)8.89%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.26%
Revenue NY rev (3m)-2.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.65 | ||
| Fwd PE | 10.88 | ||
| P/S | 1.09 | ||
| P/FCF | 4.28 | ||
| P/OCF | 4.02 | ||
| P/B | 0.87 | ||
| P/tB | 4.01 | ||
| EV/EBITDA | 5.08 |
EPS(TTM)0.23
EY10.36%
EPS(NY)0.2
Fwd EY9.19%
FCF(TTM)0.52
FCFY23.35%
OCF(TTM)0.55
OCFY24.89%
SpS2.03
BVpS2.54
TBVpS0.55
PEG (NY)N/A
PEG (5Y)N/A
Graham Number3.62
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.33% | ||
| ROE | 9.2% | ||
| ROCE | 9.03% | ||
| ROIC | 7.21% | ||
| ROICexc | 9.01% | ||
| ROICexgc | 34.69% | ||
| OM | 14.92% | ||
| PM (TTM) | 11.52% | ||
| GM | 94.19% | ||
| FCFM | 25.55% |
ROA(3y)3.93%
ROA(5y)2.52%
ROE(3y)7.06%
ROE(5y)4.57%
ROIC(3y)5.01%
ROIC(5y)3.49%
ROICexc(3y)5.89%
ROICexc(5y)4.06%
ROICexgc(3y)20.51%
ROICexgc(5y)13.95%
ROCE(3y)6.29%
ROCE(5y)4.39%
ROICexgc growth 3Y80.39%
ROICexgc growth 5YN/A
ROICexc growth 3Y70.97%
ROICexc growth 5YN/A
OM growth 3Y59.43%
OM growth 5YN/A
PM growth 3Y330.52%
PM growth 5YN/A
GM growth 3Y0.99%
GM growth 5Y0.09%
F-Score7
Asset Turnover0.46
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 1.57 | ||
| Debt/EBITDA | 1.39 | ||
| Cap/Depr | 20.5% | ||
| Cap/Sales | 1.68% | ||
| Interest Coverage | 7.7 | ||
| Cash Conversion | 117.78% | ||
| Profit Quality | 221.85% | ||
| Current Ratio | 1.07 | ||
| Quick Ratio | 1.07 | ||
| Altman-Z | 1.93 |
F-Score7
WACC7.65%
ROIC/WACC0.94
Cap/Depr(3y)8.01%
Cap/Depr(5y)6.34%
Cap/Sales(3y)0.69%
Cap/Sales(5y)0.63%
Profit Quality(3y)168.59%
Profit Quality(5y)1961.78%
High Growth Momentum
Growth
EPS 1Y (TTM)17.4%
EPS 3Y347.95%
EPS 5YN/A
EPS Q2Q%-28.27%
EPS Next Y-13.04%
EPS Next 2Y4.26%
EPS Next 3Y5.72%
EPS Next 5Y6.97%
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y4.36%
Revenue growth 5Y5.04%
Sales Q2Q%-4.39%
Revenue Next Year3.17%
Revenue Next 2Y3.51%
Revenue Next 3Y3.8%
Revenue Next 5Y3.68%
EBIT growth 1Y7.49%
EBIT growth 3Y66.38%
EBIT growth 5YN/A
EBIT Next Year81.25%
EBIT Next 3Y26.27%
EBIT Next 5Y16.42%
FCF growth 1Y13.91%
FCF growth 3Y30.94%
FCF growth 5Y11.39%
OCF growth 1Y21.15%
OCF growth 3Y32.44%
OCF growth 5Y10.38%
B+S BANKSYSTEME AG / DTD2.DE FAQ
Can you provide the ChartMill fundamental rating for B+S BANKSYSTEME AG?
ChartMill assigns a fundamental rating of 5 / 10 to DTD2.DE.
Can you provide the valuation status for B+S BANKSYSTEME AG?
ChartMill assigns a valuation rating of 7 / 10 to B+S BANKSYSTEME AG (DTD2.DE). This can be considered as Undervalued.
Can you provide the profitability details for B+S BANKSYSTEME AG?
B+S BANKSYSTEME AG (DTD2.DE) has a profitability rating of 7 / 10.
Can you provide the PE and PB ratios for DTD2 stock?
The Price/Earnings (PE) ratio for B+S BANKSYSTEME AG (DTD2.DE) is 9.65 and the Price/Book (PB) ratio is 0.87.
How financially healthy is B+S BANKSYSTEME AG?
The financial health rating of B+S BANKSYSTEME AG (DTD2.DE) is 5 / 10.